Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.
Model this product
See what Indextra would do for you
Set your numbers and switch between growth, income, and liquidity. Negative index performance does not produce a negative index credit. Fees, withdrawals and surrender charges can reduce contract value.
Product analyzer
Illustrative — live CANNEX rates as of October 2, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$300,821
Gross crediting illustration at age 80 (Indextra)
Excludes the 0.95% annual Indextra Series GLWB charge (income option; applicability depends on contract terms); 0.95% annual Indextra Series GLWB charge (income option; applicability depends on contract terms). This is not a net contract value.
8.5%
Best S&P 500 1-yr point-to-point cap
Gross crediting illustration for each line; excludes the 0.95% annual Indextra Series GLWB charge (income option; applicability depends on contract terms); 0.95% annual Indextra Series GLWB charge (income option; applicability depends on contract terms).
S&P 500 Index — 8.5% Cap (Annual)
✦
How crediting works: the cap limits positive index returns; a down index year has 0% index credit before rider charges. This illustration deducts no rider charge and is not a net contract value. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies Indextra's published cap rate (8.5% on S&P 500 Index) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Gross crediting only: this illustration excludes the 0.95% annual Indextra Series GLWB charge (income option; applicability depends on contract terms); 0.95% annual Indextra Series GLWB charge (income option; applicability depends on contract terms) reported in the source. Applicable rider charges depend on contract terms; their deduction bases are not modeled. Each listed charge is not deducted, and no net contract value is shown. Not a projection, quote, or guarantee. Live CANNEX rates as of October 2, 2026.
Free Comparison Report
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See how Indextra compares for your age, state, premium, and income goals alongside other Integrity fixed indexed annuity options.
rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Integrity product.
Live product data
Rates as of October 2, 2026, from AdvisorWorld and CANNEX.
GLWB lifetime payout rate
4% lifetime payout + 5%/yr · simple · for up to 10 years roll-up
A five-year fixed indexed annuity from Integrity Life (Western & Southern Financial Group) with an optional Indextra Series GLWB rider for guaranteed lifetime income, a multi-index growth menu spanning the S&P 500 and engineered volatility-controlled indexes, and a shorter-than-typical surrender window for an income-rider FIA.
0.95% annual rider feeAdvisorWorld + CANNEX data
Best fit
Buyers who want a fixed indexed annuity with an optional lifetime-income rider available from day one, value carrier financial-strength visibility across multiple rating agencies, and prefer a five-year surrender window over the seven- or ten-year ladders common on income-led FIAs.
AM Best
A+ Superior
Surrender options
5, 7, and 10 years
Free withdrawal
10%/yr
Availability
50 jurisdictions (excl. New York)
Minimum premium
$15,000
Featured crediting strategies
Caps, participation rates, and declared rates are shown separately.
Index / strategyRate mechanicsCreditingSurrenderPremium
S&P 500
S&P 500 Index
8.25% cap rate
Rate effective Oct 1, 2026
Annual point-to-point
Requested state: TX
1-year term · 7-year surrender · Does not vary by premium
1-year term
7-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
Cap Lock
7.5% cap rate
Rate effective Oct 1, 2026
Annual point-to-point
Requested state: TX
1-year term · 7-year surrender · Does not vary by premium
1-year term
7-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
8.25% cap rate
Rate effective Oct 1, 2026
Annual point-to-point
Requested state: TX
1-year term · 10-year surrender · Does not vary by premium
1-year term
10-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
Cap Lock
7.5% cap rate
Rate effective Oct 1, 2026
Annual point-to-point
Requested state: TX
1-year term · 10-year surrender · Does not vary by premium
1-year term
10-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
8.5% cap rate
Rate effective Oct 1, 2026
Annual point-to-point
Requested state: TX
1-year term · 5-year surrender · Does not vary by premium
1-year term
5-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
Cap Lock
7.75% cap rate
Rate effective Oct 1, 2026
Annual point-to-point
Requested state: TX
1-year term · 5-year surrender · Does not vary by premium
1-year term
5-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
7.85% trigger rate
Rate effective Oct 1, 2026
Performance trigger
Requested state: TX
1-year term · 7-year surrender · Does not vary by premium
1-year term
7-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
7.9% trigger rate
Rate effective Oct 1, 2026
Performance trigger
Requested state: TX
1-year term · 10-year surrender · Does not vary by premium
1-year term
10-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
7.9% trigger rate
Rate effective Oct 1, 2026
Performance trigger
Requested state: TX
1-year term · 5-year surrender · Does not vary by premium
1-year term
5-year surrender
Does not vary by premium
Fixed Account
Fixed Account
4.6% declared rate
Rate effective Oct 1, 2026
Fixed account
Requested state: TX
1-year term · 7-year surrender · Does not vary by premium
1-year term
7-year surrender
Does not vary by premium
Fixed Account
Fixed Account
4.6% declared rate
Rate effective Oct 1, 2026
Fixed account
Requested state: TX
1-year term · 10-year surrender · Does not vary by premium
1-year term
10-year surrender
Does not vary by premium
Fixed Account
Fixed Account
4.7% declared rate
Rate effective Oct 1, 2026
Fixed account
Requested state: TX
1-year term · 5-year surrender · Does not vary by premium
1-year term
5-year surrender
Does not vary by premium
Fixed Account
Fixed Account
4.5% declared rate
Rate effective Oct 1, 2026
Fixed account
Requested state: TX
5-year term · 5-year surrender · Does not vary by premium
5-year term
5-year surrender
Does not vary by premium
Fixed Account
Fixed Account
4.25% declared rate
Rate effective Oct 1, 2026
Fixed account
Requested state: TX
7-year term · 7-year surrender · Does not vary by premium
7-year term
7-year surrender
Does not vary by premium
Fixed Account
Fixed Account
4.25% declared rate
Rate effective Oct 1, 2026
Fixed account
Requested state: TX
10-year term · 10-year surrender · Does not vary by premium
Guaranteed roll-up5%/yr · simple · for up to 10 years
Product analyst notes
How to think about this contract
Why it can stand out
Optional Indextra Series GLWB rider for buyers who want a contractually guaranteed lifetime income stream on top of accumulation — and the rider is optional, so a buyer who only wants the index-crediting chassis can decline it and avoid the rider fee.
Multi-index growth menu pairs the S&P 500 with engineered volatility-controlled indexes from Goldman Sachs and J.P. Morgan, plus a fixed-rate bucket and a trigger strategy — broader allocation choice than a single-index FIA.
Five-year surrender period is short for an income-rider FIA — many income-led FIAs lock principal for seven or ten years before the schedule expires, so the early-exit charge schedule ends earlier on this contract.
Backed by Integrity Life Insurance Company, a Western & Southern Financial Group subsidiary, with carrier financial-strength views visible from multiple agencies on this page from the live feed.
What to confirm
The Indextra Series GLWB rider is optional but carries a published annual rider fee — review the fee against the rider's guaranteed lifetime withdrawal rate to confirm the net economics, since the fee compounds against the contract value while the rider is in force.
Indextra is not available in New York — buyers in New York are routed to the sibling Indextra NY filing on this carrier, which is a separate contract with a different surrender period and no income rider on this version.
The volatility-controlled engineered indexes on the strategy menu are not the same as a S&P 500 cap rate — participation rates on those indexes are not directly comparable to caps on plain index strategies, so a buyer comparing the accumulation menu against other FIAs needs to compare like-for-like crediting methods rather than mixing engineered-index participation rates with plain S&P 500 caps.
Surrender charges in years one and two of the five-year ladder are in the high single digits — an unplanned early exit beyond the annual free-withdrawal allowance carries a real cost in the first half of the contract.
Not ideal for
Buyers in New York (the sibling Indextra NY filing is the in-state contract), buyers who want a single-index S&P 500-only chassis without engineered-index complexity, buyers who want a longer ten-year surrender ladder for a more generous cap menu, or buyers who want a guaranteed-rate-only MYGA without any indexed-strategy crediting.
Free Comparison Report
Get an Indextra rate report
See how Indextra compares for your age, state, premium, and income goals alongside other Integrity fixed indexed annuity options.
These listings show published strategy details and any available rates. Use the filters to narrow by index, term, premium band, or rate type.
Par: 160% · 1-yr
GS Momentum Builder Multi-Asset Class
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20265-yr surrenderDoes not vary by premium
Par: 160% · 1-yr
GS Momentum Builder Multi-Asset Class
Point-to-point
Requested state: TX5-yr surrenderDoes not vary by premium
Par: 130% · 1-yr
J.P. Morgan Strategic Balanced Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20265-yr surrenderDoes not vary by premium
Par: 130% · 1-yr
J.P. Morgan Strategic Balanced Index
Point-to-point
Requested state: TX5-yr surrenderDoes not vary by premium
Cap: 13.5% · 1-yr
S&P 500 IQ 0.5% Decrement Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20265-yr surrenderDoes not vary by premium
Cap: 13.5% · 1-yr
S&P 500 IQ 0.5% Decrement Index
Point-to-point
Requested state: TX5-yr surrenderDoes not vary by premium
Cap: 8.5% · 1-yr
S&P 500 Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20265-yr surrenderDoes not vary by premium
Cap: 8.5% · 1-yr
S&P 500 Index
Point-to-point
Requested state: TX5-yr surrenderDoes not vary by premium
Cap: 7.75% · 1-yr
S&P 500 Index
Cap Lock · Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20265-yr surrenderDoes not vary by premium
Cap: 7.75% · 1-yr
S&P 500 Index
Cap Lock · Point-to-point
Requested state: TX5-yr surrenderDoes not vary by premium
Fixed: 4.7% · 1-yr
Fixed Account
Fixed account · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20265-yr surrenderDoes not vary by premium
Fixed: 4.7% · 1-yr
Fixed Account
Fixed account
Requested state: TX5-yr surrenderDoes not vary by premium
Fixed: 4.5% · 5-yr
Fixed Account
Fixed account · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20265-yr surrenderDoes not vary by premium
Fixed: 4.5% · 5-yr
Fixed Account
Fixed account
Requested state: TX5-yr surrenderDoes not vary by premium
Par: 155% · 1-yr
GS Momentum Builder Multi-Asset Class
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20267-yr surrenderDoes not vary by premium
Par: 155% · 1-yr
GS Momentum Builder Multi-Asset Class
Point-to-point
Requested state: TX7-yr surrenderDoes not vary by premium
Par: 127% · 1-yr
J.P. Morgan Strategic Balanced Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20267-yr surrenderDoes not vary by premium
Par: 127% · 1-yr
J.P. Morgan Strategic Balanced Index
Point-to-point
Requested state: TX7-yr surrenderDoes not vary by premium
Cap: 13.25% · 1-yr
S&P 500 IQ 0.5% Decrement Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20267-yr surrenderDoes not vary by premium
Cap: 13.25% · 1-yr
S&P 500 IQ 0.5% Decrement Index
Point-to-point
Requested state: TX7-yr surrenderDoes not vary by premium
Cap: 8.25% · 1-yr
S&P 500 Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20267-yr surrenderDoes not vary by premium
Cap: 8.25% · 1-yr
S&P 500 Index
Point-to-point
Requested state: TX7-yr surrenderDoes not vary by premium
Trigger: 7.85% · 1-yr
S&P 500 Index
Performance trigger · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20267-yr surrenderDoes not vary by premium
Trigger: 7.85% · 1-yr
S&P 500 Index
Performance trigger
Requested state: TX7-yr surrenderDoes not vary by premium
Cap: 7.5% · 1-yr
S&P 500 Index
Cap Lock · Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20267-yr surrenderDoes not vary by premium
Cap: 7.5% · 1-yr
S&P 500 Index
Cap Lock · Point-to-point
Requested state: TX7-yr surrenderDoes not vary by premium
Fixed: 4.6% · 1-yr
Fixed Account
Fixed account · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20267-yr surrenderDoes not vary by premium
Fixed: 4.6% · 1-yr
Fixed Account
Fixed account
Requested state: TX7-yr surrenderDoes not vary by premium
Par: 230% · 2-yr
GS Momentum Builder Multi-Asset Class
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20267-yr surrenderDoes not vary by premium
Par: 230% · 2-yr
GS Momentum Builder Multi-Asset Class
Point-to-point
Requested state: TX7-yr surrenderDoes not vary by premium
Par: 182% · 2-yr
J.P. Morgan Strategic Balanced Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20267-yr surrenderDoes not vary by premium
Par: 182% · 2-yr
J.P. Morgan Strategic Balanced Index
Point-to-point
Requested state: TX7-yr surrenderDoes not vary by premium
Par: 100% · 2-yr
S&P 500 IQ 0.5% Decrement Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20267-yr surrenderDoes not vary by premium
Par: 100% · 2-yr
S&P 500 IQ 0.5% Decrement Index
Point-to-point
Requested state: TX7-yr surrenderDoes not vary by premium
Par: 300% · 3-yr
GS Momentum Builder Multi-Asset Class
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20267-yr surrenderDoes not vary by premium
Par: 300% · 3-yr
GS Momentum Builder Multi-Asset Class
Point-to-point
Requested state: TX7-yr surrenderDoes not vary by premium
Par: 220% · 3-yr
J.P. Morgan Strategic Balanced Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20267-yr surrenderDoes not vary by premium
Par: 220% · 3-yr
J.P. Morgan Strategic Balanced Index
Point-to-point
Requested state: TX7-yr surrenderDoes not vary by premium
Fixed: 4.25% · 7-yr
Fixed Account
Fixed account · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 20267-yr surrenderDoes not vary by premium
Fixed: 4.25% · 7-yr
Fixed Account
Fixed account
Requested state: TX7-yr surrenderDoes not vary by premium
Trigger: 7.9% · 1-yr
S&P 500 Index
Performance trigger · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 202610-yr surrenderDoes not vary by premium
Trigger: 7.9% · 1-yr
S&P 500 Index
Performance trigger
Requested state: TX10-yr surrenderDoes not vary by premium
Fixed: 4.25% · 10-yr
Fixed Account
Fixed account · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 202610-yr surrenderDoes not vary by premium
Fixed: 4.25% · 10-yr
Fixed Account
Fixed account
Requested state: TX10-yr surrenderDoes not vary by premium
Par: 310% · 3-yr
GS Momentum Builder Multi-Asset Class
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 202610-yr surrenderDoes not vary by premium
Par: 310% · 3-yr
GS Momentum Builder Multi-Asset Class
Point-to-point
Requested state: TX10-yr surrenderDoes not vary by premium
Par: 225% · 3-yr
J.P. Morgan Strategic Balanced Index
Point-to-point · 0% annual strategy fee
Requested state: TXRate effective Oct 1, 202610-yr surrenderDoes not vary by premium
Par: 225% · 3-yr
J.P. Morgan Strategic Balanced Index
Point-to-point
Requested state: TX10-yr surrenderDoes not vary by premium
Income riders
Income rider
Indextra Series GLWB
Lifetime withdrawal rate4%
Annual rider fee0.95%
Guaranteed roll-up5%/yr · simple · for up to 10 years
Deferral assumed0 years
Issue age45 — 80
Joint availabilityJoint life
GLWB
Income rider
Indextra Series GLWB
Lifetime withdrawal rate3.6%
Annual rider fee0.95%
Guaranteed roll-up5%/yr · simple · for up to 10 years
Deferral assumed0 years
Issue age45 — 80
Joint availabilityJoint life
GLWB
Common questions about Indextra
● Can I lose money in Indextra?
A negative index return by itself does not reduce the contract's account value: Indextra credits 0% — the floor — for that indexed period. The account value can still decrease from the published rider fee, withdrawals, surrender charges, other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.
● Is the Indextra Series GLWB income rider worth the 0.95% fee?
It depends on whether you will use the guaranteed income. If you are accumulating only, you can skip it. If you want guaranteed lifetime income later, the published roll-up (5%/yr · simple · for up to 10 years) and 4% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.
● When can I access my money without a surrender charge?
Up to 10% of your account value each year is penalty-free. The scheduled surrender charges run 5 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.
● How do Indextra's crediting strategies compare?
Use "Compare against" in the analyzer to overlay another available Indextra strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.
Key Features
Free withdrawal
10%/yr
Annual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
3
Nursing home waiver, RMD waiver, Terminal illness waiver
Death benefit
Standard Death Benefit
Beneficiary value depends on contract terms, withdrawals, and rider elections.
Cap-rate floor
1.00%
Minimum guaranteed cap for cap-based indexed strategies.
Declared-rate floor
1.00%
Minimum guaranteed declared rate for declared-rate or performance-trigger strategies.
Fixed account guarantee
2.75%
Guaranteed minimum interest rate for the fixed account.
Participation-rate floor
1.00%
Minimum guaranteed participation rate for participation-rate indexed strategies.
Annuitization options
Certain period, Joint life, Single life
Published payout options from the normalized contract facts.
Fund types
Non-qualified, Qualified
Availability can vary by state and product terms.
Surrender schedule
Yr 1
9%
Yr 2
8.5%
Yr 3
8%
Yr 4
7%
Yr 5
6%
After
0%
Nursing home waiver, RMD waiver, Terminal illness waiver
Documents
product guide
Indextra-Product-Brochure.pdf
Confidence: highReviewed Apr 8, 2026
Direct link not published — request the document from the carrier.
Carrier Ratings
AM BestA+
FitchAA
Moody'sAa3
S&PAA-
Contract notes from product data
Crediting design
How the interest-crediting choices are framed
Indextra currently shows 48 indexed or fixed crediting options, including S&P 500 Index, with 26 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.
What to look for before treating the rider as income
Indextra Series GLWB is the main income rider listed for this product. Rider terms can affect the tradeoff between future lifetime withdrawals, contract value, beneficiary value, and cost, so the exact state version and rider election should be confirmed before comparing it to annuitization or income-only contracts.
4% withdrawal rate
0.95% rider fee
Joint life availability
Liquidity terms
Why access rules deserve as much attention as rates
A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.
10%/yr free withdrawal
5 surrender years
Nursing home waiver
RMD waiver
Terminal illness waiver
Verification note
Use carrier materials as term evidence, then confirm the current version
Carrier materials such as Indextra-Product-Brochure.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.
Rates and rider terms can vary by state and issue age
Carrier guarantees depend on claims-paying ability
Current contract forms should be confirmed before purchase
Free Comparison Report
Get an Indextra rate report
See how Indextra compares for your age, state, premium, and income goals alongside other Integrity fixed indexed annuity options.
Cite this page for its methodology or interpretation. Current figures may refresh, so this canonical page URL is not a frozen data citation. To quote a market statistic, use the citation showing its observed as-of date and immutable JSON verification URL published by the Annuity Rate Statistics hub. Bulk product-level CANNEX records are not licensed for redistribution.